Managing financial transactions has never been simpler thanks to the introduction of the Unified Payments Interface (UPI). Without having complex banking credentials, UPI enables users to send and receive money, pay bills, and carry out a variety of operations. Users occasionally run across problems like slow bank servers, technological difficulties, or fraudulent transactions, despite how convenient it is. To address these issues, this article will help you file a UPI complaint.
It’s essential to know about the various types of UPI problems you could face before filing a complaint:
1. PIN Problems
Errors or restricted PINs are two examples of UPI PIN issues that might keep you from completing transactions.
2. Processing Issues
Problems include transactions that are sent to the wrong accounts, that are pending or rejected, that exceed transaction limits while they are out, or that include money being taken out without the transaction happening.
3. Account Issues
You could have problems deregistering, modifying or deleting an account, or linking or recovering account information.
4. Other Issues
These could be the result of OTP errors, registration issues, or unsuccessful login attempts.
Filing a Complaint for a Wrong UPI Transaction
You can complain to the National Payments Corporation of India (NPCI) if you have issues with a UPI transaction. To file a complaint about an incorrect transaction, take the following steps:
- To choose the “UPI” option, go to the “What we do” tab on the official NPCI website.
- In the “UPI” section, choose “Dispute Redressal Mechanism.”
- In the “Complaint” section, scroll to the “Transaction” option.
- Choose the “nature of the transaction” based on your grievance.
- Select “Incorrectly transferred to another account” as the issue, then briefly explain the situation.
- Enter the amount, transaction date, email address, bank name, UPI ID, and transaction ID.
- Upload a picture of your most recent bank account statement and provide your registered cellphone number.
- For a quick reply, make sure all the information is correct.
Filing a Complaint for a Failed UPI Transaction
- Go to the “What we do” page on the NPCI website and choose the “UPI” option.
- Select “Dispute Redressal Mechanism” from the “UPI” menu.
- Navigate to the “Transaction” option located inside the “Complaint” section.
- Depending on the nature of your complaint, choose the “nature of the transaction.”
- Select “Transaction failed but amount debited” as the issue and give a brief explanation of it.
- Enter the email address, transaction date, amount, bank name, UPI ID, and transaction ID.
- Give your registered cellphone number and attach a picture of your most recent bank statement.
- Make sure every detail is correct to speed up the resolution process.
These procedures will help you deal with and efficiently fix UPI transaction problems, guaranteeing future transactions that are safer and more seamless.